Best 48-Month CD Rates - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Top 48-month CD rates currently available include Italo American Credit UnionItalo American Credit Union6652 Myrtle Ave, Glendale, NY 11385 7057A+5.0 ★Texas Ratio: 2.78% offering Regular IRA And Roth IRA 3 and 4 year at 5.00% APY, and Cornerstone State BankCornerstone State Bank500 Main St, Madison Lake, MN 56063A+5.0 ★Texas Ratio: 0.88% offering IRA 36-48 month C.D. at 4.55% APY, and Priority Plus Federal Credit UnionPriority Plus Federal Credit Union6 LYNAM ST, WILMINGTON, DE 19804A+5.0 ★Texas Ratio: 2.58% offering 48 mo Certificate at 4.32% APY, and Tower Federal Credit UnionTower Federal Credit Union7901 Sandy Spring Rd, Laurel, MD 20707A+5.0 ★Texas Ratio: 1.36% offering 4 year Mini-Jumbo IRA Share Certificates at 4.30% APY. CD rates as of April 4, 2026 according to verified data from MonitorBankRates.
A 5-year CD is the longest standard CD term, designed for savers who want to maximize fixed yield and are comfortable locking in funds for the long term. It is often the highest-yielding option available and pairs naturally with retirement or long-term savings goals. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose a stable institution with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 60-Month CD Rates Last Updated and Verified: April 4, 2026
Compare the Best 48-Month CD Rates Nationwide
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 3 and 4 year
$0
5.00%
▼
Rate5.00%
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.55%
▼
Rate4.50%
Min Deposit$500
UpdatedApr 2, 2026
Details
$75,000 to $199,999.99
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
6 LYNAM ST, WILMINGTON, DE 19804
48 mo Certificate
$0
4.32%
▼
Rate4.25%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo IRA Share Certificates
$20,000
4.30%
▼
Rate4.21%
Min Deposit$20,000
UpdatedMar 29, 2026
Details
No additional details available.
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 48 month
$0
4.20%
▼
Rate4.12%
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
48 Month Fixed Rate IRA Certificates
$500
4.11%
▼
Rate4.05%
Min Deposit$500
UpdatedMar 26, 2026
Details
No additional details available.
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
48-Month CD Term
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
48 Month Share One-Time Bump Certificates of Deposit
$0
4.05%
▼
Rate—
Min Deposit$0
UpdatedMar 24, 2026
Details
Automatic Renewal to Regular Certificate
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
48 Month CD or IRA Jumbo
$500
4.04%
▼
Rate4.00%
Min Deposit$500
UpdatedApr 3, 2026
Details
Jumbo
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
1110 Elkton Rd, Newark, DE 19711
SPECIAL PROMOTION: Certificates for New Funds to American Spirit FCU Only Share Certificate (48-Month)
$0
4.01%
▼
Rate4.00%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
4 year CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
UpdatedMar 27, 2026
Details
No additional details available.
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Regular & IRA Share Certificate 48 Month
$500
3.95%
▼
Rate3.88%
Min Deposit$500
UpdatedMar 28, 2026
Details
No additional details available.
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Jumbo Bump Up CD
$50,000
3.91%
▼
Rate3.85%
Min Deposit$50,000
UpdatedApr 3, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
Share & IRA Share Certificates (48 month term)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Thayer County Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
402 Lincoln Ave, Hebron, NE 68370
48 Month CD
$75,000
3.86%
▼
Rate3.80%
Min Deposit$75,000
UpdatedApr 3, 2026
Details
No additional details available.
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 48 Month CD
$0
3.85%
▼
Rate3.78%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Enterprise Bank Allison Park, PA
Institution Rating:
F2.8 ★Texas Ratio: 41.32%
4091 Mount Royal Blvd, Allison Park, PA 15101
4 Year CD/IRA
$0
3.82%
▼
Rate3.75%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
48 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
4 Year Certificate
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
UpdatedApr 2, 2026
Details
No additional details available.
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
IRA Certificates 48 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 48 Month
$0
3.77%
▼
Rate3.70%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1536 Riverside Dr, S Williamsport, PA 17702
4 year Share Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
UpdatedApr 4, 2026
Details
$25,000+
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH 44107 2405
48 Month Certificate of Deposit
$500
3.75%
▼
Rate—
Min Deposit$500
UpdatedMar 27, 2026
Details
$500 minimum
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
48 Month CD
$1,000
3.73%
▼
Rate3.70%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
4-Year Share Certificate
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
UpdatedMar 28, 2026
Details
No additional details available.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$0
3.71%
▼
Rate3.65%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Hancock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.23%
125 Trenton Ave, Findlay, OH 45840 3741
48 Month Certificate
$500
3.70%
▼
Rate3.63%
Min Deposit$500
UpdatedMar 27, 2026
Details
No additional details available.
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
265 Old Springfield Rd, Lebanon, KY 40033
48 Month CD
$0
3.68%
▼
Rate3.65%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
3131 Mishicot Rd, Two Rivers, WI 54241
Share Certificates and IRA Certificates 48 month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Room c 1 80, WASHINGTON, DC 20523 0001
Fixed-Rate Jumbo 4-year term
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
UpdatedApr 4, 2026
Details
No additional details available.
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
48-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
100 N Main St, Clarksville, IA 50619
48 Month Time Certificates
$5,000
3.64%
▼
Rate3.61%
Min Deposit$5,000
UpdatedApr 3, 2026
Details
No additional details available.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3064 Ohio St, Michigan City, IN 46360 6866
48 Mo. Certificate
$0
3.61%
▼
Rate—
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH CERTIFICATE
$0
3.60%
▼
Rate—
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
48 Month CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
316 W River RD, Augusta, ME 04330 3992
4 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
48 mo. Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
Certificates of Deposit 48-Month
$500
3.54%
▼
Rate3.50%
Min Deposit$500
UpdatedApr 3, 2026
Details
QUARTERLY
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
701 S China Lake Blvd, Ridgecrest, CA 93555 5027
48 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA Jumbo
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
UpdatedMar 28, 2026
Details
No additional details available.
Port Richmond Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2522 E Allegheny Ave, Philadelphia, PA 19134
48 month Certificates of Deposit
$500
3.49%
▼
Rate3.43%
Min Deposit$500
UpdatedMar 24, 2026
Details
No additional details available.
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
310 Caldwell St, Chillicothe, OH 45601
Share and IRA Jumbo Certificates 48 Mo.
$0
3.46%
▼
Rate—
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
48 Month Share Certificates
$0
3.45%
▼
Rate3.39%
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit 48-month term
$0
3.44%
▼
Rate—
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
48 month CD and over
$100,000
3.43%
▼
Rate3.40%
Min Deposit$100,000
UpdatedApr 4, 2026
Details
$100,000
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
5908 E Main Street, Friendship, IN 47021
48 Month CD
$0
3.41%
▼
Rate3.35%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1301 Post Rd, Plover, WI 54467
4 Year CD
$0
3.40%
▼
Rate3.35%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
48 Month CD
$500
3.39%
▼
Rate3.35%
Min Deposit$500
UpdatedMar 28, 2026
Details
$500 Minimum
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
2501 13th St, Columbus, NE 68601
48 Month Youth Saver CD
$100
3.36%
▼
Rate3.36%
Min Deposit$100
UpdatedApr 3, 2026
Details
No additional details available.
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
48 Month CD/IRA
$500
3.35%
▼
Rate3.30%
Min Deposit$500
UpdatedMar 28, 2026
Details
No additional details available.
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1405 N Main St, Huntingburg, IN 47542
Certificate of Deposit (7) 4 year
$0
3.34%
▼
Rate3.30%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month CD
$0
3.33%
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
11030 Hull Street Rd, Midlothian, VA 23112
48 month certificate
$5,000
3.31%
▼
Rate3.26%
Min Deposit$5,000
UpdatedMar 29, 2026
Details
No additional details available.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
Jumbo Certificates 4 year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
48 Month CD
$99,000
3.29%
▼
Rate3.25%
Min Deposit$99,000
UpdatedApr 2, 2026
Details
No additional details available.
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
48 Month Certificate
$0
3.28%
▼
Rate3.25%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
48 Month Certificates
$0
3.27%
▼
Rate3.25%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Certificates of Deposit (CDs) 48 Month
$0
3.26%
▼
Rate3.22%
Min Deposit$0
UpdatedApr 4, 2026
Details
$10,000+
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Certificates and IRA Certificates - 48 month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
UpdatedMar 25, 2026
Details
$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000.
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
506 Main Street, Lerna, IL 62440
48 Month Certificate of Deposit
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
159 W James St, Columbus, WI 53925
Everyday CD Options 48 Month
$1,000
3.23%
▼
Rate3.20%
Min Deposit$1,000
UpdatedApr 2, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
UpdatedApr 4, 2026
Details
No additional details available.
UniBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
19315 Highway 99, Lynnwood, WA 98036
48 month Fixed Certificate of Deposit
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
48 Month Term Certificate
$0
3.19%
▼
Rate3.15%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
28954 Chardon Rd, Willoughby Hills, OH 44092
Certificate of Deposit 48 month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
48 Month Certificate
$0
3.16%
▼
Rate3.15%
Min Deposit$0
UpdatedMar 24, 2026
Details
Starting at $10,000+
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
4 Year CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
First Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
1000 S Main St, Emerson, NE 68733
48-Month Certificate
$500
3.14%
▼
Rate3.10%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
48 Month Share and IRA Certificate
$0
3.13%
▼
Rate3.10%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 E Walnut St, Okawville, IL 62271
48 Month Certificate
$0
3.12%
▼
Rate3.10%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 4 Year
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
UpdatedMar 28, 2026
Details
No additional details available.
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
4 Year CD
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
48 Month CD
$1,000
3.08%
▼
Rate3.00%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1130 S Main St, South Bend, IN 46601 3338
48 Month Certificate
$20,000
3.07%
▼
Rate3.05%
Min Deposit$20,000
UpdatedMar 24, 2026
Details
No additional details available.
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1000 E University Ave, Laramie, WY 82071 2000
4 Year Share Certificate
$100
3.05%
▼
Rate3.02%
Min Deposit$100
UpdatedApr 4, 2026
Details
No additional details available.
Firestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
31 Hanna Pkwy, Coventry township, OH 44319
4 Year Term Share
$0
3.04%
▼
Rate3.00%
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
Fond Du Lac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
91 N Pioneer Rd, Fond du Lac, WI 54935
4 Year Certificate
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
UpdatedMar 26, 2026
Details
No additional details available.
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
Roth IRA 48 Month
$0
3.02%
▼
Rate3.00%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
14989 Florence Trl, Apple Valley, MN 55124
48 Month FlexRate Certificates & IRA
$0
3.00%
▼
Rate—
Min Deposit$0
UpdatedMar 26, 2026
Details
<sup>1,2</sup>
Commercial State Bank Wausa, NE
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
519 E Broadway St, Wausa, NE 68786
48 Month Certificates of Deposit
$0
2.99%
▼
Rate2.96%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$20,000
2.98%
▼
Rate2.95%
Min Deposit$20,000
UpdatedApr 4, 2026
Details
No additional details available.
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
48 Month Certificates of Deposit
$10,000
2.97%
▼
Rate2.95%
Min Deposit$10,000
UpdatedMar 28, 2026
Details
No additional details available.
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1006 E Main St, Mandan, ND 58554 3762
48 month CD Investments
$0
2.96%
▼
Rate2.96%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2315 Prairie Ave, Beloit, WI 53511 2623
48 month Share Certificate (CD)
$0
2.95%
▼
Rate2.98%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3227 Schneider Ave SE, Menomonie, WI 54751
48 Month Share Certificates and IRAs
$0
2.94%
▼
Rate2.90%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
EP
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
301 13th Street SW RM 215A, Washington, DC 20228 0001
48 Month Terms
$1,000
2.93%
▼
Rate2.90%
Min Deposit$1,000
UpdatedMar 26, 2026
Details
No additional details available.
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
48 Month CD
$25,000
2.92%
▼
Rate2.90%
Min Deposit$25,000
UpdatedApr 3, 2026
Details
No additional details available.
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
831 Middle St, Bath, ME 04530 2401
IRA Certificates 4 Year
$0
2.91%
▼
Rate2.87%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX 78213
48 Month Educational IRA
$0
2.90%
▼
Rate2.86%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Certificates of Deposits 48-Month Special
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
UpdatedMar 27, 2026
Details
No additional details available.
First National Bank in Ord
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
123 S Galway St, Greeley, NE 68842
48 Month CD IRA Certificates
$100,000
2.88%
▼
Rate2.85%
Min Deposit$100,000
UpdatedApr 3, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
48 Month Share Certificates
$0
2.87%
▼
Rate—
Min Deposit$0
UpdatedMar 28, 2026
Details
Bonus Rate
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier Jumbo Certificate of Deposit
$0
2.85%
▼
Rate2.81%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI 49420 8177
Certificate of Deposit & IRA Certificate Jumbo 48 Month
$25,000
2.84%
▼
Rate2.80%
Min Deposit$25,000
UpdatedMar 26, 2026
Details
No additional details available.
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
4 Year CD
$10,000
2.83%
▼
Rate2.80%
Min Deposit$10,000
UpdatedMar 24, 2026
Details
No additional details available.
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
701 State Highway 44, Burns Flat, OK 73624
WSB Traditional CDs 48 Month
$1,000
2.82%
▼
Rate2.78%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1418 15th Ave, Longview, WA 98632
48 Month Certificate Accounts
$500
2.80%
▼
Rate2.77%
Min Deposit$500
UpdatedMar 28, 2026
Details
No additional details available.
Embold Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
Traditional IRA & Roth IRA 48 Month Certificate
$0
2.79%
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
817 Topeka Ave, Lyndon, KS 66451
4 Year Certificate
$100
2.78%
▼
Rate2.75%
Min Deposit$100
UpdatedApr 3, 2026
Details
No additional details available.
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
48 Month Certificates of Deposit
$0
2.77%
▼
Rate—
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
48 Month Certificate of Deposit
$500
2.75%
▼
Rate2.69%
Min Deposit$500
UpdatedApr 3, 2026
Details
No additional details available.
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificates 4 year
$50,000
2.74%
▼
Rate2.70%
Min Deposit$50,000
UpdatedMar 28, 2026
Details
No additional details available.
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
4 Year CD
$0
2.73%
▼
Rate2.70%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
The Citizens Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
501 5th St, Beverly, OH 45715
48 Month IRA
$0
2.71%
▼
Rate2.68%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
135 Stewart Dr, Franklin, VA 23851
48-Month Share Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
48 Month Certificates and IRA
$500
2.69%
▼
Rate2.66%
Min Deposit$500
UpdatedApr 3, 2026
Details
No additional details available.
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
11 Public Sq, Nelsonville, OH 45764
Bump Up 48 Month First Advantage CD
$1,000
2.68%
▼
Rate2.65%
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
639 S Delaware St, Indianapolis, IN 46225
Share Certificate (Fixed Rate) 4 Year Term
$0
2.65%
▼
Rate2.58%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
2 Broadway, North Haven, CT 06473
Share Certificate 4 year
$0
2.63%
▼
Rate2.60%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
201 Washington St, Victor, IA 52347
Certificates of Deposit and Over 48 Month
$20,000
2.62%
▼
Rate2.60%
Min Deposit$20,000
UpdatedApr 3, 2026
Details
$20,000
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 Willard Ave, Genoa, NE 68640
48 Month Certificate of Deposit
$0
2.61%
▼
Rate—
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
4 Year Certificate
$500
2.60%
▼
Rate2.57%
Min Deposit$500
UpdatedMar 25, 2026
Details
No additional details available.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
48 Month Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
121 W Broadway, Vici, OK 73859
48 Month Certificate
$0
2.56%
▼
Rate2.53%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
315 Main St Nw, Bourbonnais, IL 60914
48 Month CD & IRA
$5,000
2.55%
▼
Rate2.53%
Min Deposit$5,000
UpdatedApr 4, 2026
Details
No additional details available.
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts 4 Year
$500
2.54%
▼
Rate2.50%
Min Deposit$500
UpdatedApr 2, 2026
Details
No additional details available.
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
4 Year Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
4 Year Certificate
$100,000
2.52%
▼
Rate2.50%
Min Deposit$100,000
UpdatedApr 4, 2026
Details
Daily Balances of: $100,000 and over
First Bank and Trust of Fullerton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 Broadway St, Fullerton, NE 68638
48-Month Certificate of Deposit
$500
2.51%
▼
Rate2.50%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
15 14th St S, Great Falls, MT 59401 3800
48 month Share Certificates
$0
2.50%
▼
Rate2.47%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
25 E Pine St, Platteville, WI 53818
4 Year CD
$2,500
2.49%
▼
Rate2.47%
Min Deposit$2,500
UpdatedApr 4, 2026
Details
No additional details available.
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
4 Year CD Gold
$0
2.48%
▼
Rate2.45%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
400 E Buchanan St, Ashland, IL 62612
48 Month CD (4 Year)
$0
2.47%
▼
Rate2.45%
Min Deposit$0
UpdatedApr 4, 2026
Details
1,3
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ 08608 1800
48 Month Certificates of Deposit
$25,000
2.46%
▼
Rate2.44%
Min Deposit$25,000
UpdatedMar 24, 2026
Details
No additional details available.
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
751 Chambers Rd, Aurora, CO 80011 7151
Jumbo Term Certificates 48 Month Certificate
$50,000
2.45%
▼
Rate2.42%
Min Deposit$50,000
UpdatedMar 25, 2026
Details
No additional details available.
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
4523 Driftwood Dr, Cheyenne, WY 82009 7301
48 Month Share Certificate
$500
2.44%
▼
Rate2.44%
Min Deposit$500
UpdatedMar 25, 2026
Details
No additional details available.
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
48 month CD's
$0
2.43%
▼
Rate2.40%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
106 E John St, Jefferson, WI 53549 2039
48 Month IRA Certificate - Traditional or Roth
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
UpdatedMar 25, 2026
Details
No additional details available.
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1905 28th Street St SW, Wyoming, MI 49519 2507
48 MO CERTIFICATE
$500
2.41%
▼
Rate—
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
48-Month CD/IRA Premier Spending
$0
2.40%
▼
Rate—
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Indianhead Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
104 E MAPLE ST, SPOONER, WI 54801 1482
Share, Roth & Traditional IRA Certificates 48 Month
$5,000
2.39%
▼
Rate2.37%
Min Deposit$5,000
UpdatedMar 27, 2026
Details
No additional details available.
Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
105 Front St, Bath, ME 04530
4 Year CD / IRA
$500
2.38%
▼
Rate—
Min Deposit$500
UpdatedApr 3, 2026
Details
No additional details available.
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
100 W Elm St, Canton, IL 61520
48 month CD
$1,000
2.37%
▼
Rate2.35%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
State Bank of Canton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
103 S Main St, Canton, KS 67428
Certificate of Deposit 48 Month
$500
2.36%
▼
Rate2.35%
Min Deposit$500
UpdatedApr 2, 2026
Details
No additional details available.
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
745 Market St, Mendota Heights, MN 55118
Certificates of Deposit (CD) 48 Month
$0
2.35%
▼
Rate2.33%
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
26 Main Street, Camp Grove, IL 61424
Certificate of Deposit 48-Month
$1,000
2.33%
▼
Rate2.31%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
48 Month IRA Certificate
$0
2.31%
▼
Rate—
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
First State B&T Williston, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Rr Avenue, Ray, ND 58849
48 Month CD
$0
2.30%
▼
Rate2.28%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
345 E Grand Ave, Beloit, WI 53511
48 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
UpdatedApr 2, 2026
Details
No additional details available.
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
501 E Main St, Robinson, IL 62454
48 Month CDs
$500
2.27%
▼
Rate2.25%
Min Deposit$500
UpdatedApr 3, 2026
Details
No additional details available.
Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
34 Licking View Dr, Heath, OH 43056
48 Month Certificate & IRA Certificate
$500
2.25%
▼
Rate2.23%
Min Deposit$500
UpdatedApr 2, 2026
Details
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
Oshkosh Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
250 Pearl Ave, Oshkosh, WI 54901 4834
Share Certificates Account 48 Month
$2,500
2.23%
▼
Rate2.21%
Min Deposit$2,500
UpdatedMar 28, 2026
Details
No additional details available.
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA 94531 6665
4-Year Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1117 S 10th St, Manitowoc, WI 54220 5211
4 Year Jumbo Share/IRA Certificate
$0
2.21%
▼
Rate2.19%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Bay Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
4202 Navarre Ave, Oregon, OH 43616 3562
48 MONTH IRA CERT
$0
2.20%
▼
Rate—
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
48 month CD
$0
2.18%
▼
Rate2.16%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1275 Raymond Rd N, Battle Creek, MI 49014
4 YEAR CERTIFICATE
$0
2.17%
▼
Rate—
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
FNB Of Nokomis
Institution Rating:
A5.0 ★Texas Ratio: 8.75%
106 N Main St, Moweaqua, IL 62550
48 Month CD
$1,000
2.16%
▼
Rate2.15%
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
Port Washington State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
201 Regal Dr, Fredonia, WI 53021
Certificates of Deposit 4 Year
$1,000
2.15%
▼
Rate2.13%
Min Deposit$1,000
UpdatedApr 2, 2026
Details
$1,000.00 - $9,999.99
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
99 S Main St, Buffalo, WY 82834
48 Month Certificates of Deposit
$1,000
2.12%
▼
Rate2.10%
Min Deposit$1,000
UpdatedMar 25, 2026
Details
No additional details available.
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
110 McIndoe St, Wausau, WI 54403 4742
48-Month Certificate
$0
2.10%
▼
Rate2.08%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
101 Wesley Dr, Wood River, IL 62095
48 Month Share Certificates
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
UpdatedMar 28, 2026
Details
No additional details available.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3711 Huntington Ave, Newport News, VA 23607
IRA Certificates 4-year
$0
2.06%
▼
Rate2.04%
Min Deposit$0
UpdatedMar 25, 2026
Details
Premier / Select Relationship
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
127 West Ave N, La Crosse, WI 54601 3528
48-month Certificates
$0
2.05%
▼
Rate2.03%
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 4 Year
$0
2.02%
▼
Rate2.00%
Min Deposit$0
UpdatedApr 4, 2026
Details
over $50,000
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
48 Month CD
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
UpdatedMar 29, 2026
Details
No additional details available.
Healthcare First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1152 Franklin St, Johnstown, PA 15905 4310
IRA 4 Year Term
$0
2.00%
▼
Rate—
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1702 Avenue B, Cloquet, MN 55720
48 Month Share Certificate
$0
1.97%
▼
Rate1.95%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 48 Month Certificate
$1,500
1.96%
▼
Rate1.94%
Min Deposit$1,500
UpdatedMar 29, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
48 month IRA CD
$100,000
1.95%
▼
Rate1.93%
Min Deposit$100,000
UpdatedMar 24, 2026
Details
No additional details available.
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL 32206 3301
48 Month Certificate
$500
1.92%
▼
Rate1.90%
Min Deposit$500
UpdatedApr 2, 2026
Details
No additional details available.
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
110 W Panola St, Carthage, TX 75633
48 Month - Fixed IRA
$0
1.91%
▼
Rate1.90%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Prairie Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
800 W Grant Hwy, Marengo, IL 60152
4 Year Certificates of Deposit
$1,000
1.90%
▼
Rate1.89%
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
4-Year CD
$2,000
1.89%
▼
Rate1.87%
Min Deposit$2,000
UpdatedApr 3, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX 75090 5840
48-month certificate
$10,000
1.88%
▼
Rate—
Min Deposit$10,000
UpdatedMar 28, 2026
Details
Balance Over $10,000
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
410 Division St, Withee, WI 54498
4 Year CD
$500
1.86%
▼
Rate1.85%
Min Deposit$500
UpdatedApr 3, 2026
Details
No additional details available.
Ohio State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2106 E Main St, Bexley, OH 43209
48-month Certificates of Deposit
$0
1.85%
▼
Rate1.83%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
SSB Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.54%
8700 Perry Hwy, Pittsburgh, PA 15237
48 Month CD
$500
1.81%
▼
Rate1.80%
Min Deposit$500
UpdatedApr 3, 2026
Details
**
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
839 W Green St, Marshall, MI 49068
CD Special 48 Month
$500
1.80%
▼
Rate1.79%
Min Deposit$500
UpdatedMar 27, 2026
Details
No additional details available.
Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
48-Month Certificate
$500
1.79%
▼
Rate1.77%
Min Deposit$500
UpdatedMar 27, 2026
Details
No additional details available.
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
575 N Broadway, Aurora, IL 60505
IRA Certificates 48 Month
$0
1.76%
▼
Rate1.75%
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
Kansas Teachers Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
416 N Broadway St, Pittsburg, KS 66762 3919
48 Month Certificate of Deposit
$500
1.75%
▼
Rate—
Min Deposit$500
UpdatedMar 27, 2026
Details
No additional details available.
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
48 Month CD
$0
1.71%
▼
Rate1.70%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Bank of Lake Mills
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
136 E Madison St, Lake Mills, WI 53551
4 Year CD Certificate
$500
1.70%
▼
Rate1.69%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Security Bank of Southwest Missouri
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
1321 Old Highway 37, Cassville, MO 65625
4 Year Certificate of Deposit
$1,000
1.66%
▼
Rate1.65%
Min Deposit$1,000
UpdatedApr 4, 2026
Details
Minimum maturity is 6 months. $1,000.00 minimum deposit. Substantial penalty for early withdrawal.
Security FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
314 4th St, Logansport, IN 46947
48 Month Personal CDs
$500
1.65%
▼
Rate1.64%
Min Deposit$500
UpdatedMar 28, 2026
Details
No additional details available.
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
520 S 42nd St, Mount Vernon, IL 62864
Certificates of Deposit (CDs) Specials 48 Month Trade-Up
$500
1.62%
▼
Rate—
Min Deposit$500
UpdatedMar 28, 2026
Details
No additional details available.
First Bankers Trust Company
Institution Rating:
B4.6 ★Texas Ratio: 19.94%
1395 Buchanan St, Carthage, IL 62321
48 Month CD/IRA
$1,000
1.61%
▼
Rate1.60%
Min Deposit$1,000
UpdatedApr 2, 2026
Details
No additional details available.
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3700 E Alameda Ave, Denver, CO 80209
48 Month Certificates of Deposit (CDs)
$0
1.60%
▼
Rate1.59%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
Jumbo Certificate 48 month
$75,000
1.56%
▼
Rate1.55%
Min Deposit$75,000
UpdatedMar 24, 2026
Details
No additional details available.
Southwest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
400 E Douglas Ave, Wichita, KS 67202
4 Year Certificate of Deposit
$0
1.55%
▼
Rate1.54%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
48 Month CD & IRA
$0
1.53%
▼
Rate1.52%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
101 E Main St, Baltic, OH 43804
48 Month CD
$500
1.51%
▼
Rate1.50%
Min Deposit$500
UpdatedApr 3, 2026
Details
No additional details available.
Hutchinson Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
121 E Avenue A, Hutchinson, KS 67501
48 Month CD
$0
1.50%
▼
Rate1.50%
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ 08302
4 Year IRA Certificate
$0
1.47%
▼
Rate—
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
North Shore Trust and Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
700 S Lewis Ave, Waukegan, IL 60085
4 Year Certificate
$1,000
1.46%
▼
Rate1.45%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
605 Washington Blvd, Belpre, OH 45714
48-Month CD
$0
1.45%
▼
Rate1.45%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
300 Front St, Russell, MN 56169
48-Month CD
$1,000
1.42%
▼
Rate1.41%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
717 W Sprague Ave, Spokane, WA 99201
Fixed Rate Certificates 48 Month
$0
1.41%
▼
Rate1.40%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Peoples Bank of Moniteau County
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
105 W Row St, Jamestown, MO 65046
48 Month CD or IRA
$0
1.40%
▼
Rate1.40%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
First Community Bank of Moultrie County
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
1 S Main St, Sullivan, IL 61951
Certificate of Deposit 48 Month
$500
1.36%
▼
Rate1.35%
Min Deposit$500
UpdatedApr 3, 2026
Details
No additional details available.
Farmers and Merchants Bank Berlin, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
123 W Huron St, Berlin, WI 54923
Regular IRA 48 Month
$500
1.35%
▼
Rate1.35%
Min Deposit$500
UpdatedApr 3, 2026
Details
Minimum Initial Deposit of $500
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1313 N Skokie Hwy, Gurnee, IL 60031
4 Year Certificate Accounts
$0
1.31%
▼
Rate1.30%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
United Minnesota Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
105 Central Ave E, New London, MN 56273
48 Month Certificate of Deposit
$500
1.30%
▼
Rate1.30%
Min Deposit$500
UpdatedMar 29, 2026
Details
Penalty may be imposed for early withdrawal.
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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48-Month CD Rate Trend
Daily national average APY for 48-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
48-Month CD — National Avg
2.668%
▲ 0.104 vs 7 days ago
National 48-month CD rates rose 0.104 points over the past 7 days to 2.668% APY, up from 2.564% 7 days ago.
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CD Calculators
60-Month CD FAQs
What is a 48-Month (4-Year) Certificate of Deposit?
A 48-month CD is a savings account that holds a fixed amount of money for four years. In exchange for that commitment, banks typically offer higher fixed interest rates than shorter-term CDs.
Are 5-year CD rates higher than shorter-term CDs?
In a normal yield curve environment, yes 5-year CDs typically offer the highest rates among standard CD terms. In an inverted yield curve, shorter terms can sometimes match or exceed 5-year yields, so always compare current offers.
Is my money safe in a 60-month CD?
Yes. CDs at FDIC-insured banks or NCUA-insured credit unions are insured up to $250,000 per depositor, per institution. Your principal is fully protected up to that limit.
What happens if I withdraw money from a 5-year CD early?
Early withdrawal penalties on 60-month CDs are typically the steepest of any term often 12 months or more of earned interest. Review the penalty schedule carefully before committing to a 5-year term.
What is APY and why does it especially matter for a 5-year CD?
APY (Annual Percentage Yield) accounts for compounding and reflects the true annual return. Over a 5-year term, even a 0.10% APY difference compounds into a meaningful difference in total earnings on larger deposits.
Is locking in a 5-year CD rate a good strategy when rates are high?
Many financial advisors recommend locking in a long-term CD when rates are near cyclical highs. If the Federal Reserve cuts rates in the future, a 5-year CD lets you continue earning your locked-in rate while new savers see lower yields.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 60-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 5-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: April 4, 2026
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